Lisa O'Connor serves as a Wealth Management Advisor at Merrill Lynch Wealth Management, where she partners with clients to develop personalized financial strategies tailored to their long-term goals. She specializes in managing wealth through a comprehensive approach that involves understanding clients' financial situations and priorities, then crafting flexible strategies that adapt to changing needs and market conditions. Lisa leverages the investment insights of Merrill and the banking solutions of Bank of America to address various facets of clients' financial lives. Her expertise centers on guiding clients through significant financial milestones, including divorce transition planning, personal retirement planning, and retirement income. She is committed to supporting both pre-retirees and retirees through customized planning processes covering wealth accumulation, retirement income, wealth preservation, and intergenerational wealth transfer. Lisa holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her Bachelor's degree from Siena College. Outside of her professional role, Lisa participates in community activities such as Hope in the Boat, a breast cancer survivor dragon boat team, and is affiliated with the Galway Lake Campers Association. Her personal interests include antiquing, biking, boating, and gardening.

Kelly Chavez Laprade is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill, Bank of America, Citizens Securities, TD Bank, and JPMorgan Chase Bank. Early in her career, she held positions outside finance at companies such as Red Robin Gourmet Burgers and Enterprise Rent A Car. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Shireen Kafiluddi is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill since 2015 and also worked at Bank of America, N.A. from 2022 to the present. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Christine Ormsbee is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2018, previously spending six years at LPL Financial. She serves as a board member for the Shellstrong Foundation, a charitable organization supporting children and families receiving treatment at Albany Med and related programs. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrea Scott is a financial advisor with Primerica Advisors in Clifton Park, NY, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2019. Outside of her advisory role, she works as a self-employed IRS tax professional. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers to implement various investment models.

John Carroll III is a financial advisor at Stifel with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at City National Bank before joining Stifel in 2016. Outside of his advisory role, he serves on the finance committee of Wolferts Roost Country Club and is a member of the institutional advancement committee at The Albany Academies, where he advises on fundraising. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. Its investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by the Stifel Investment Strategy Group.

Daniel Moerschell is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has worked at Morgan Stanley since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and the Global Investment Committee’s Secular Return Estimates in its financial planning process.

Brian Hooks is a Series 66-credentialed financial advisor with LPL Financial, based in Cohoes, NY, and has seven years of industry experience. He has worked at LPL Financial since 2019 and has been associated with Broadview Federal Credit Union since 2011. Outside of his advisory work, Hooks serves as the head coach of the basketball team at Shaker High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and various management options.

Melissa Taylor is a CFP® with 24 years of industry experience and has been with Raymond James & Associates since 2015. She holds the Series 66 designation and is based in Latham, NY. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

William Vanevera is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has 48 years of industry experience and has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2001. Outside of his advisory role, he is involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that use firm-approved analytic tools.

Andrew Chapman is a financial advisor with LPL Financial in Saratoga Springs, NY, holding a Series 66 designation and 18 years of industry experience. He has been affiliated with LPL Financial since 2011 and runs Saratoga Financial Services since 2014. In addition to his advisory work, Chapman is a commissioned notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Charles Luzadis is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at the University of Tampa and King Brothers Dairy. Outside of his advisory role, he has worked as a golf shop attendant at Saratoga National Golf Club. Equitable Advisors serves individual and institutional clients including pension plans and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party managers. The firm offers a range of programs emphasizing risk assessment and tailored investment solutions without sponsoring its own wrap fee program.

Neil O'Brien is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 34 years of industry experience. He joined LPL Financial in 2025 after 26 years at NEXT Financial Group, Inc. In addition to his advisory work, he is involved with a non-variable insurance business and operates Capital Asset Management, Inc. for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning services, and access to model portfolios and research from both internal and third-party sources.

Robert Kovacs is a CFP® professional with 37 years of industry experience. He has been with LPL Financial since 2016 and also works with Pioneer Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and technology.

Craig Cornwell is a financial advisor at Raymond James Financial with 20 years of industry experience and holds a Series 66 designation. His previous roles include positions at Cantella & Co., Inc. and The Ayco Company, L.P./Mercer Allied. Outside of his advisory work, he is also a licensed agent involved in the potential sales of non-variable life insurance and annuities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports its clients through a broad advisor network and specialized advisory programs.

Steven Hipsley is a CFP® with 31 years of industry experience. He has been with OSAIC since 2024 and previously worked for 15 years at American Portfolios Financial Services, Inc. He is also president of Champlain Wealth Management, Ltd., a business name associated with his wealth management and securities activities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios that may include various asset classes managed on discretionary or non-discretionary bases.

James Hicks is a financial advisor with Primerica Advisors in Clifton Park, NY, holding a Series 63 designation and 26 years of industry experience. He has been with Primerica Advisors since 1999 and Primerica Financial Services since 1998. Outside of his advisory role, Hicks is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and provides a wrap-fee solution with a tiered percentage-based fee structure.

Kristen Mahan is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, totaling 16 years with those firms. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs and a broad range of portfolio management styles.

John Costantino Jr. is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds Series 63 and Series 66 credentials and has been associated with Raymond James Financial Services since 1999. He is also the owner of High Point Trading & Consulting, a business based in Saratoga Springs, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while also maintaining specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Thomas Appleton is a financial advisor with OSAIC, holding a Series 63 designation and 44 years of industry experience. He has worked with Securities America Advisors, Inc. and Securities America, Inc. for over two decades and is a managing member of Diamond Financial Services, where he focuses on life insurance and long-term care needs for clients in New York. OSAIC serves a range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios tailored to client preferences.